Best Personal Loans in North Las Vegas, NV: Top Lenders & Best Picks for You

The online lender LightStream is a subsidiary of Truist Financial Corporation (formed after the 2019 merger of SunTrust and BB&T). If you qualify, you could get a loan of up to $100,000 without paying any kind of origination fees, and you may receive the money the same business day. Flexible payment terms from the lender vary from 24 to 84 months, with possible savings for borrowers who set up automatic payments.

Deciding to pay off your loan earlier will not incur a penalty, either. LightStream's A+ rating from the Better Business Bureau strengthens its position as the city's top overall lender.

However, a 660 credit score requirement restricts access to its loans to those with good-to-excellent credit. Additionally, loan requests for purposes including paying off or consolidating a current LightStream loan, funding postsecondary education or making business acquisitions will be rejected.

Pros

• No origination fee
• No prepayment penalty
• Loans of up to $100,000
• Autopay discount
• A+ BBB rating

Upstart, an online marketplace that has been around since 2012, accepts applicants with credit scores as low as 300. It employs artificial intelligence to connect borrowers with lenders. For borrowers who may not have stellar credit or who are venturing into the world of borrowing for the first time, this lender is the best option.

Upstart’s personal loan amounts range from $1,000 to $50,000, all of which are subject to an origination fee. However, depending on your credit score and history, you might end up paying a high interest rate. Potential candidates for lower APRs have credit scores that range from good to exceptional. Additionally, you should be prepared for a hard credit check during the application process, which could be detrimental to your credit score.

Pros

• Minimum credit score of 300
• Soft credit inquiry to check eligibility
• A+ BBB rating
• No prepayment penalty

When it comes to loans and other financial services, SoFi (formerly known as Social Finance) is a good alternative, especially for those with a credit score of 680 or higher. Eligible borrowers can obtain a personal loan from SoFi of up to $100,000 with no origination fee, making it the best lender in North Las Vegas for those with good credit. Also, individuals who sign up for automatic payments can receive a discount on their rates.

The lender also allows co-applicants, which can increase your chances of getting accepted. The unemployment protection program offered by SoFi is another appealing aspect. With that, individuals who face an abrupt loss of employment may be able to delay or reduce their monthly payments.

However, eligibility verification uses a soft credit check, whereas loan applications use a hard inquiry that does hurt your score.

Pros

• Maximum loans of up to $100,000
• No origination fee, no prepayment penalty
• Autopay discount
• Unemployment protection
• A+ BBB rating

Upgrade, a fintech firm formed in 2016, aims to encourage responsible financial behavior among its customers by streamlining the process of obtaining financial products and providing access to free credit health tools. It boasts a Better Business Bureau rating of A+. Since loans are typically disbursed immediately after they are approved, you can get a head start on paying off your debt.

Borrowers can find relief in the fact that Upgrade loans have fixed interest rates, eliminating the uncertainty that comes with relying on variable APRs. There are no charges for paying off your loan early, either. Considering these factors, the lender is a good option for borrowers in need of a debt consolidation loan.

Nevertheless, based on your credit score, the APR on an Upgrade personal loan might be high. There may also be origination costs added to your loan total.

Pros

• A+ BBB rating
• No prepayment penalty
• Low minimum credit score requirement
• Soft credit inquiry

Since the company's founding in 2014, Best Egg has been able to provide personal loans through Cross River Bank. Marlette Funding, which is a financial technology company, is the one managing the lender. Best Egg personal loans for home improvements are available in amounts ranging from $2,000 to $50,000 for home improvement and remodeling purposes.

Best Egg’s online loan application can be convenient for borrowers, and the disbursal of funds occurs quickly (often within one business day). If you want to pay off the loan sooner than it was originally scheduled, you won't have to incur a prepayment penalty. However, due to the lender's stringent requirement that the applicant's minimum credit score be 700, only applicants who have excellent credit scores will have their loan applications approved.

Pros

• Soft credit check to check eligibility
• A+ BBB rating
• No prepayment penalty
• Autopay discount